Fast real-time payments available in your Online Banking.

Introducing Osko Payments

Now that Westpac has rolled out fast payments to our eligible consumer customers, an increasing number of your payments that you make or receive will happen in almost an instant, 24/7 - including weekends and public holidays. These real-time payments automatically use Osko by BPay®.

To send money to your family and friends with eligible accounts at participating financial institutions in under a minute, 24/7, all you need to know is their PayID or BSB and account number. Best of all, it is part of your online banking. They can also pay your BSB and account number or PayID in almost an instant.

How will I know if I have it?

You’ll receive a message in Online Banking saying that fast payments are here with Osko and PayID.

How will I know I’ve received a real-time payment?

If the payment is made in real-time, Osko or the Osko logo will appear next to the transaction in Online Banking.

How will I know if it's going to be a real-time payment when I make a payment?

You’ll know it will be a fast payment when paying a PayID or BSB and account number as Osko or the Osko logo will appear on the Payment review page in Online Banking.

How do I make an Osko payment to a PayID?

For personal customers, to make an Osko payment to a PayID, you’ll need to create a PayID and have an eligible account.

Note: Your payees must have registered their mobile number as a PayID at their financial institution before you can make a payment to it.

For personal customers, on a desktop, sign in and select Payments > Make a payment > Payees> Select the PayID (mobile number) you’d like to pay to.

On a mobile, select Pay > Choose A Payee > Select the PayID (mobile number) you’d like to pay to.

How do I make an Osko payment to a BSB and account number?

To make an Osko payment to a BSB and account number, the payee needs to have an eligible Osko account at a participating financial institution. The payment cannot be future dated or recurring.

Who can I make real-time payments to?

Only eligible personal, business or corporate accounts at a participating Australian bank or financial institution are supported by the fast payment network. Overseas and off shore bank accounts are not.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.